3. Is the plan licensed?
Call your state insurance department to make sure the plan is licensed in your state. Does the plan also have a history of complaints?
Some dishonest plans are licensed, but lie about what they’re selling. They promise full health coverage. However, you receive a nearly useless limited policy that’s loaded with limits and exclusions or you receive a medical discount card, which is NOT insurance.
4. Check out the “association” or “union.”
If you’re required to join, check out that group’s website. Does it list a street address or merely a P.O. box in some unreadable place in Jakarta, Indonesia or South Africa?
Is the website suspiciously brief and vague about its activities? Does it seem designed mostly to hype health coverage as the primary product?
5. Contact the insurer.
Some health plans lie that they offer coverage through a legitimate, well-known insurance company. Contact the company to verify.
